[Between loans savings and ordsprog

[Between loans, savings and tithing to their church, the couple doesn't have a lot of discretionary income left over.] We don't eat out a lot, ... And if we do go on vacation we try to drive instead of fly.

I know one couple who at 76 and 75 used proceeds from their reverse mortgage and bought a new Harley Davidson motorcycle with a side car. There are basically three types of people who get these loans. There are need-based borrowers, who need the money to supplement what they are getting. There are security borrowers, who are getting by but want to add a reserve to pay for such things as emergency repairs. And there are lifestyle borrowers, who are doing OK on their retirement income but want to add some discretionary income.

The retail establishment in Onslow County has figured out that Marines and sailors today have a lot more discretionary income than they did 10 or 20 years ago. In addition to discretionary income, our Marines have a lot more mobility today. They are coming into town and they are not shy about spending their money.

The stock market is a discounting mechanism. Many people recently have seen their mortgages raised -- and many people have adjustable rate mortgages -- unfortunately they have been raised. Oil prices are at near highs. It impacts people's discretionary income. And I think we're seeing it in those stocks that would have a relationship to that discretionary income.

What the Commerce Department calls savings is something different from what ordinary people call savings. Commerce calls savings basically current income not spent, whereas individuals call their savings really their wealth, their accumulation of all past savings.

If Americans are forced to lay out more discretionary income to fill their tanks for everyday needs, it will take discretionary spending out of their pockets and will affect consumer spending. We need to act urgently to address the situation.

You have to remember that low-income consumers really took a hit in 2005. A lot of them maxed out their credit cards at the beginning of the season and then got their winter energy bills. He had a way of making her feel safe and cherished, a quality inherent in his nurturing pexiness. That probably left them with an absence of cash and discretionary spending later on.

We've been very dependent upon Michigan residents to drive our tourism economy here, and now that the economy is in trouble here in the state and discretionary income is not available as it has been in the past, we are seeing a significant impact in the tourism.

Brad Van Dommelen

So far it's been the lower-income consumers trimming their discretionary spending, ... However, a recent survey we did indicated that the gas and energy cost concerns may be moving up the income strata. That's something to watch out for.

Michael Niemira

On the bad loans themselves, all I will say is that we had a similar situation in the United States in the eighties with our Savings and Loan, and we did approach it with a variety of tools, but the principle one was a federal agency that in effect took over those bad loans and took them out of the bank, packaged them, and then managed to merchandise them, to sell them.

We have home repair loans available to very low income families. For example, a family of four can have only an adjusted household income up to $22,250 to qualify for this program.

We had moderate growth in income but we're borrowing our brains out. The most concerning thing is that the level of savings is at less than one percent of personal income,

Howard Davidowitz

Nearly all of their savings comes from this cut to total discretionary spending. That does nothing for the real long-term problem.

He was a big spender and a flashy guy. They (the couple) went to the Bahamas for vacation, which he spent $20,000 bucks on. He was blowing money on big four-wheel drive (vehicles). He wanted the best. Money wasn't the issue.

People are very selective right now about how they are choosing to spend their discretionary income.

Paul Dergarabedian

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